phone pay

Mobile Payment Systems|How to get cookies with your phone

Operation Phone Pay.

A package of cookies

Everyone loves cookies…

Those who don’t eat cookies are either crazy or on a diet.. Take this advice: Don’t associate with people who don’t eat cookies.

It is ok to toast your cookies:

Toasted cookies
These cookies are toasted


But the premise of this story is not about the cookies themselves. It is the acquisition of the cookies which compels me to write this piece. Over the past few days I have done some traveling, and in my travels I have been using Apple Pay or  Pay.

The Good stuff:

  • It works

The Bad:

  • There is no congruency in user experience

Over the next few weeks I will be covering the UX (User Experience) of mobile payment systems, focusing primarily on iOS and Android with Pay, AndroidPay and SamsungPay.  The universal tag for these posts will be ‘Operation Phone Pay’, and they will contain videos of examples of the user experience.

Videos like these:

Tap for the video
Tap for the video


Tap for video


Why it is important:

Mobile payment systems are not new, but they are important and they are emerging technologies that are being proliferated for different reasons. We will investigate these reasons so that you can make your own decisions on whether or not mobile payment is for you. There is a lot of money to be made, wasted, saved and lost in the schema of mobile system payments, and that is why Big Tech…especially in the mobile space…wants to help you spend your money.

You are going to spend it anyway, right? So what is the big deal?

Intent is the big deal.

Long ago, a mentor I had once told me that I shouldn’t waste time trying to establish the intent of others. This is great advice to heed. It is time-consuming, you don’t always get it right and the law of diminished returns is against you. But when the intent of operations is declared by business, we have to hold them to that declaration.

So we have mobile payment systems. Then we have a line. We then have digital wallets. Sometimes the obscurity of what actually happens on the device during the transaction denies us the knowledge we need to know to make a good decision when incorporating mobile payment system and digital wallet use into our personal economies. Some mobile payment systems operate and market on the premise of privacy, fraud prevention and security. So it is important to know how this actually works to see if the payment system provider is living up to its declaration.

The User Experience

Once we get the functionality and the operations of the mobile payment system out-of-the-way, we will focus on the user experience. UX is important because people have expectations. The expectations that the user has, in my opinion, the most important part of the transaction. When I pay with my phone, I want it to be easier than paying with my card.


Because there is no reason for me to use my phone over my card if using the phone is not:

  1. More Secure
  2. More Convenient
  3. Easier

Surely, the WIFM (What’s In It For Me) has much to do with the adoption rate of mobile payment systems. If Big Tech can’t do these simple things, then we are doomed to the fraud, frustration and finance charges of the dumb credit/debit card. logo

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